A+ Federal Credit Union Mortgage Lending & HMDA Data, 2019

In 2019, A+ Federal Credit Union of Austin, TX reported 2,656 mortgage applications totaling $304.3 million, up 88% from 2018. The average application was for $114,578, and applicants reported an average income of $89,074. 35% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Austin-Round Rock, TX (1,291), Houston-The Woodlands-Sugar Land, TX (152) and San Antonio-New Braunfels, TX (151) (applications in parentheses).

Mortgage Company & Address A+ Federal Credit Union
6420 US Hwy 290 East
Austin, TX 78723
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,656
Total Mortgage Loan Application Amount $304,320,000
Average Mortgage Loan Application Amount $114,578
Highest Mortgage Loan Application Amount $905,000
Average Applicant Income $89,074
Highest Applicant Income $1,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for A+ Federal Credit Union by County in 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Travis, Texas 609 $ 82,425,000 $ 135,344 $ 93,000
Williamson, Texas 433 $ 54,645,000 $ 126,200 $ 99,000
Hays, Texas 137 $ 15,765,000 $ 115,072 $ 87,000
Bastrop, Texas 79 $ 8,375,000 $ 106,012 $ 84,000
Bexar, Texas 55 $ 5,175,000 $ 94,090 $ 77,000
Bell, Texas 41 $ 4,475,000 $ 109,146 $ 78,000
Caldwell, Texas 33 $ 2,925,000 $ 88,636 $ 78,000
Ector, Texas 32 $ 2,920,000 $ 91,250 $ 71,000
Harris, Texas 32 $ 3,550,000 $ 110,937 $ 92,000
Montgomery, Texas 32 $ 3,810,000 $ 119,062 $ 119,000
Brazoria, Texas 26 $ 2,610,000 $ 100,384 $ 78,000
Comal, Texas 25 $ 3,755,000 $ 150,200 $ 97,000
Guadalupe, Texas 25 $ 2,545,000 $ 101,800 $ 79,000
Burnet, Texas 24 $ 2,570,000 $ 107,083 $ 86,000
Liberty, Texas 20 $ 2,560,000 $ 128,000 $ 88,000
Denton, Texas 18 $ 1,790,000 $ 99,444 $ 76,000
Fort Bend, Texas 18 $ 1,790,000 $ 99,444 $ 98,000
Orange, Texas 18 $ 1,550,000 $ 86,111 $ 114,000
Midland, Texas 17 $ 2,055,000 $ 120,882 $ 85,000
Hardin, Texas 16 $ 1,330,000 $ 83,125 $ 78,000
Hunt, Texas 16 $ 1,570,000 $ 98,125 $ 76,000
Tarrant, Texas 16 $ 1,430,000 $ 89,375 $ 88,000
Johnson, Texas 15 $ 1,365,000 $ 91,000 $ 72,000
Medina, Texas 15 $ 1,665,000 $ 111,000 $ 84,000
Wise, Texas 15 $ 1,675,000 $ 111,666 $ 68,000
Bowie, Texas 13 $ 1,135,000 $ 87,307 $ 80,000
Collin, Texas 13 $ 1,595,000 $ 122,692 $ 98,000
McLennan, Texas 13 $ 1,215,000 $ 93,461 $ 60,000
Brazos, Texas 12 $ 1,210,000 $ 100,833 $ 76,000
Lee, Texas 12 $ 1,070,000 $ 89,166 $ 79,000
Parker, Texas 12 $ 1,270,000 $ 105,833 $ 101,000
Van Zandt, Texas 12 $ 1,100,000 $ 91,666 $ 80,000
Atascosa, Texas 11 $ 1,365,000 $ 124,090 $ 73,000
Gonzales, Texas 11 $ 1,005,000 $ 91,363 $ 71,000
Victoria, Texas 11 $ 1,115,000 $ 101,363 $ 70,000
Bandera, Texas 10 $ 1,200,000 $ 120,000 $ 82,000
Hill, Texas 10 $ 970,000 $ 97,000 $ 59,000
Kaufman, Texas 10 $ 890,000 $ 89,000 $ 72,000
Panola, Texas 10 $ 940,000 $ 94,000 $ 78,000
Angelina, Texas 9 $ 855,000 $ 95,000 $ 79,000
Brown, Texas 9 $ 785,000 $ 87,222 $ 66,000
Llano, Texas 9 $ 955,000 $ 106,111 $ 130,000
Nacogdoches, Texas 9 $ 785,000 $ 87,222 $ 79,000
Randall, Texas 9 $ 885,000 $ 98,333 $ 73,000
Waller, Texas 9 $ 1,225,000 $ 136,111 $ 86,000
Aransas, Texas 8 $ 570,000 $ 71,250 $ 187,000
Cass, Texas 8 $ 560,000 $ 70,000 $ 82,000
Galveston, Texas 8 $ 1,020,000 $ 127,500 $ 87,000
Grimes, Texas 8 $ 880,000 $ 110,000 $ 77,000
Lubbock, Texas 8 $ 810,000 $ 101,250 $ 78,000
Milam, Texas 8 $ 680,000 $ 85,000 $ 87,000
Robertson, Texas 8 $ 530,000 $ 66,250 $ 76,000
Smith, Texas 8 $ 620,000 $ 77,500 $ 71,000
Tom Green, Texas 8 $ 950,000 $ 118,750 $ 91,000
Cherokee, Texas 7 $ 635,000 $ 90,714 $ 73,000
Coryell, Texas 7 $ 635,000 $ 90,714 $ 50,000
Dallas, Texas 7 $ 455,000 $ 65,000 $ 72,000
Henderson, Texas 7 $ 755,000 $ 107,857 $ 98,000
Hidalgo, Texas 7 $ 595,000 $ 85,000 $ 95,000
Jefferson, Texas 7 $ 975,000 $ 139,285 $ 149,000
Leon, Texas 7 $ 705,000 $ 100,714 $ 64,000
Limestone, Texas 7 $ 635,000 $ 90,714 $ 78,000
Polk, Texas 7 $ 785,000 $ 112,142 $ 92,000
Rusk, Texas 7 $ 735,000 $ 105,000 $ 68,000
San Jacinto, Texas 7 $ 575,000 $ 82,142 $ 94,000
Shelby, Texas 7 $ 725,000 $ 103,571 $ 68,000
Upshur, Texas 7 $ 625,000 $ 89,285 $ 71,000
Walker, Texas 7 $ 765,000 $ 109,285 $ 79,000
Cameron, Texas 6 $ 580,000 $ 96,666 $ 71,000
Ellis, Texas 6 $ 560,000 $ 93,333 $ 68,000
Gaines, Texas 6 $ 760,000 $ 126,666 $ 145,000
Grayson, Texas 6 $ 610,000 $ 101,666 $ 78,000
Harrison, Texas 6 $ 380,000 $ 63,333 $ 65,000
Karnes, Texas 6 $ 670,000 $ 111,666 $ 72,000
Lampasas, Texas 6 $ 640,000 $ 106,666 $ 105,000
Martin, Texas 6 $ 740,000 $ 123,333 $ 104,000
Newton, Texas 6 $ 640,000 $ 106,666 $ 87,000
Wilson, Texas 6 $ 630,000 $ 105,000 $ 73,000
Andrews, Texas 5 $ 515,000 $ 103,000 $ 86,000
Austin, Texas 5 $ 335,000 $ 67,000 $ 64,000
Burleson, Texas 5 $ 455,000 $ 91,000 $ 92,000
Callahan, Texas 5 $ 445,000 $ 89,000 $ 66,000
Duval, Texas 5 $ 615,000 $ 123,000 $ 87,000
El Paso, Texas 5 $ 535,000 $ 107,000 $ 70,000
Fannin, Texas 5 $ 705,000 $ 141,000 $ 71,000
Lavaca, Texas 5 $ 525,000 $ 105,000 $ 81,000
Navarro, Texas 5 $ 405,000 $ 81,000 $ 77,000
Sabine, Texas 5 $ 455,000 $ 91,000 $ 143,000
Taylor, Texas 5 $ 385,000 $ 77,000 $ 57,000
Ward, Texas 5 $ 535,000 $ 107,000 $ 78,000
Washington, Texas 5 $ 545,000 $ 109,000 $ 60,000
Wood, Texas 5 $ 425,000 $ 85,000 $ 68,000
Anderson, Texas 4 $ 200,000 $ 50,000 $ 88,000
Bee, Texas 4 $ 340,000 $ 85,000 $ 85,000
Blanco, Texas 4 $ 510,000 $ 127,500 $ 89,000
Falls, Texas 4 $ 330,000 $ 82,500 $ 53,000
Fayette, Texas 4 $ 610,000 $ 152,500 $ 130,000
Freestone, Texas 4 $ 360,000 $ 90,000 $ 111,000
Frio, Texas 4 $ 520,000 $ 130,000 $ 70,000
Hood, Texas 4 $ 480,000 $ 120,000 $ 72,000
Hopkins, Texas 4 $ 350,000 $ 87,500 $ 44,000
Howard, Texas 4 $ 460,000 $ 115,000 $ 82,000
Kendall, Texas 4 $ 500,000 $ 125,000 $ 83,000
Kerr, Texas 4 $ 450,000 $ 112,500 $ 129,000
Madison, Texas 4 $ 540,000 $ 135,000 $ 91,000
Matagorda, Texas 4 $ 510,000 $ 127,500 $ 90,000
Montague, Texas 4 $ 230,000 $ 57,500 $ 101,000
Moore, Texas 4 $ 490,000 $ 122,500 $ 61,000
Morris, Texas 4 $ 310,000 $ 77,500 $ 63,000
Palo Pinto, Texas 4 $ 410,000 $ 102,500 $ 65,000
Rains, Texas 4 $ 390,000 $ 97,500 $ 51,000
San Patricio, Texas 4 $ 360,000 $ 90,000 $ 98,000
Trinity, Texas 4 $ 360,000 $ 90,000 $ 64,000
Comanche, Texas 3 $ 235,000 $ 78,333 $ 51,000
Cooke, Texas 3 $ 325,000 $ 108,333 $ 85,000
DeWitt, Texas 3 $ 205,000 $ 68,333 $ 65,000
Houston, Texas 3 $ 225,000 $ 75,000 $ 77,000
Hutchinson, Texas 3 $ 275,000 $ 91,666 $ 94,000
Jasper, Texas 3 $ 325,000 $ 108,333 $ 83,000
Jones, Texas 3 $ 355,000 $ 118,333 $ 101,000
Kinney, Texas 3 $ 225,000 $ 75,000 $ 79,000
Kleberg, Texas 3 $ 275,000 $ 91,666 $ 71,000
Mills, Texas 3 $ 295,000 $ 98,333 $ 76,000
Nolan, Texas 3 $ 235,000 $ 78,333 $ 86,000
Nueces, Texas 3 $ 315,000 $ 105,000 $ 87,000
Potter, Texas 3 $ 405,000 $ 135,000 $ 78,000
Reeves, Texas 3 $ 385,000 $ 128,333 $ 69,000
San Saba, Texas 3 $ 185,000 $ 61,666 $ 58,000
Calhoun, Texas 2 $ 100,000 $ 50,000 $ 102,000
Chambers, Texas 2 $ 190,000 $ 95,000 $ 72,000
Clay, Texas 2 $ 80,000 $ 40,000 $ 36,000
Coke, Texas 2 $ 320,000 $ 160,000 $ 111,000
Coleman, Texas 2 $ 200,000 $ 100,000 $ 64,000
Colorado, Texas 2 $ 200,000 $ 100,000 $ 90,000
Deaf Smith, Texas 2 $ 90,000 $ 45,000 $ 63,000
Erath, Texas 2 $ 130,000 $ 65,000 $ 59,000
Gillespie, Texas 2 $ 250,000 $ 125,000 $ 64,000
Goliad, Texas 2 $ 200,000 $ 100,000 $ 65,000
Hamilton, Texas 2 $ 120,000 $ 60,000 $ 86,000
Hockley, Texas 2 $ 200,000 $ 100,000 $ 54,000
Jackson, Texas 2 $ 230,000 $ 115,000 $ 124,000
Jim Wells, Texas 2 $ 230,000 $ 115,000 $ 81,000
Lamar, Texas 2 $ 310,000 $ 155,000 $ 99,000
Live Oak, Texas 2 $ 160,000 $ 80,000 $ 89,000
Marion, Texas 2 $ 110,000 $ 55,000 $ 87,000
Ochiltree, Texas 2 $ 180,000 $ 90,000 $ 98,000
Real, Texas 2 $ 110,000 $ 55,000 $ 94,000
Refugio, Texas 2 $ 170,000 $ 85,000 $ 82,000
Webb, Texas 2 $ 360,000 $ 180,000 $ 96,000
Wharton, Texas 2 $ 130,000 $ 65,000 $ 120,000
Winkler, Texas 2 $ 280,000 $ 140,000 $ 106,000
Zavala, Texas 2 $ 190,000 $ 95,000 $ 69,000
Barnstable, Massachusetts 1 $ 35,000 $ 35,000 $ 127,000
Armstrong, Texas 1 $ 75,000 $ 75,000 $ 104,000
Bailey, Texas 1 $ 55,000 $ 55,000 $ 26,000
Bosque, Texas 1 $ 45,000 $ 45,000 $ 38,000
Brewster, Texas 1 $ 35,000 $ 35,000 $ 63,000
Concho, Texas 1 $ 75,000 $ 75,000 $ 148,000
Dawson, Texas 1 $ 175,000 $ 175,000 $ 140,000
Delta, Texas 1 $ 85,000 $ 85,000 $ 35,000
Dimmit, Texas 1 $ 215,000 $ 215,000 $ 111,000
Eastland, Texas 1 $ 85,000 $ 85,000 $ 296,000
Franklin, Texas 1 $ 55,000 $ 55,000 $ 42,000
Garza, Texas 1 $ 55,000 $ 55,000 $ 144,000
Gregg, Texas 1 $ 55,000 $ 55,000 $ 79,000
Hudspeth, Texas 1 $ 35,000 $ 35,000 $ 54,000
Jeff Davis, Texas 1 $ 165,000 $ 165,000 $ 212,000
Kimble, Texas 1 $ 125,000 $ 125,000 $ 77,000
La Salle, Texas 1 $ 55,000 $ 55,000 $ 79,000
Maverick, Texas 1 $ 75,000 $ 75,000 $ 26,000
McCulloch, Texas 1 $ 175,000 $ 175,000 $ 52,000
McMullen, Texas 1 $ 85,000 $ 85,000 $ 56,000
Mitchell, Texas 1 $ 215,000 $ 215,000 $ 121,000
Pecos, Texas 1 $ 65,000 $ 65,000 $ 86,000
Presidio, Texas 1 $ 45,000 $ 45,000 $ 40,000
Reagan, Texas 1 $ 205,000 $ 205,000 $ 134,000
Red River, Texas 1 $ 55,000 $ 55,000 $ 30,000
San Augustine, Texas 1 $ 95,000 $ 95,000 $ 169,000
Scurry, Texas 1 $ 95,000 $ 95,000 $ 83,000
Sutton, Texas 1 $ 105,000 $ 105,000 $ 90,000
Terry, Texas 1 $ 105,000 $ 105,000 $ 60,000
Titus, Texas 1 $ 75,000 $ 75,000 $ 43,000
Tyler, Texas 1 $ 65,000 $ 65,000 $ 51,000
Uvalde, Texas 1 $ 105,000 $ 105,000 $ 102,000
Wichita, Texas 1 $ 75,000 $ 75,000 $ 56,000
Young, Texas 1 $ 115,000 $ 115,000 $ 72,000

Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2019

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,350 $145,710,000 $107,000 $905,000 $84,000 $719,000
Cash-out Refinancing 634 $82,230,000 $129,000 $755,000 $85,000 $325,000
Refinancing 287 $53,985,000 $188,000 $855,000 $107,000 $1,200,000
Home Improvement 201 $11,765,000 $58,000 $305,000 $112,000 $508,000
Other Purpose 182 $10,580,000 $58,000 $355,000 $88,000 $294,000
Not Applicable 2 $50,000 $25,000 $45,000 $28,000 $51,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,408 $156,040,000 $110,000 $905,000 $90,000 $1,200,000
Not Provided 705 $85,135,000 $120,000 $855,000 $94,000 $508,000
Hispanic 385 $40,635,000 $105,000 $375,000 $78,000 $296,000
Black or African American 84 $9,330,000 $111,000 $355,000 $79,000 $269,000
Not applicable 48 $9,960,000 $207,000 $665,000 $132,000 $228,000
Asian 19 $2,355,000 $123,000 $445,000 $78,000 $131,000
American Indian or Alaskan Native 5 $585,000 $117,000 $255,000 $74,000 $96,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $46,000 $46,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,656 $304,320,000 $114,000 $905,000 $89,000 $1,200,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 917 $114,005,000 $124,000 $755,000 $96,000 $504,000
Application Approved But Not Accepted 541 $56,535,000 $104,000 $435,000 $87,000 $719,000
Loan Purchased By The Institution 416 $40,840,000 $98,000 $275,000 $76,000 $715,000
Application Denied By Financial Institution 315 $30,885,000 $98,000 $905,000 $81,000 $1,200,000
Application Withdrawn By Applicant 281 $37,605,000 $133,000 $855,000 $97,000 $504,000
File Closed For Incompleteness 183 $23,825,000 $130,000 $485,000 $92,000 $508,000
Preapproval Approved but not Accepted 2 $530,000 $265,000 $385,000 $99,000 $108,000
Preapproval Denied by Financial Institution 1 $95,000 $95,000 $95,000 $46,000 $46,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,340 $273,340,000 $116,000 $855,000 $90,000 $719,000
Credit History 121 $10,745,000 $88,000 $315,000 $86,000 $1,200,000
Debt-To-Income Ratio 90 $10,050,000 $111,000 $905,000 $56,000 $337,000
Collateral 90 $8,490,000 $94,000 $365,000 $98,000 $325,000
Other 7 $745,000 $106,000 $245,000 $104,000 $360,000
Employment History 5 $495,000 $99,000 $185,000 $64,000 $126,000
Mortgage Insurance Denied 2 $420,000 $210,000 $215,000 $74,000 $79,000
Unverifiable Information 1 $35,000 $35,000 $35,000 $78,000 $78,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess A+ Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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